Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Rowan County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Rowan County, home to Salisbury, between 2023 and 2025: 13,276 applications, 9,782 loans actually funded, across 8 kinds of borrowing.
Rowan County at a glance
13,276Applications decided
2023–2025
9,782Loans funded
74% of decisions
31Census tracts
12 ZIP codes
148,487People
ACS 2023
What the data shows
The typical purchase mortgage here is $245K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 127 applications.
Lending by loan type in Rowan County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.7% | 6,525 | $245K | 96% | 321 |
| Home improvement loans | 60.2% | 1,781 | $55K | 95% | 85 |
| Cash-out refinance | 66.4% | 2,282 | $165K | 95% | 172 |
| Refinance | 75.8% | 1,654 | $155K | 94% | 153 |
| Investment property purchase | 84.5% | 521 | $175K | 95% | 145 |
| Investment cash-out refinance | 69.0% | 210 | $155K | 94% | 85 |
| Investment refinance | 76.1% | 176 | $185K | 96% | 49 |
| Investment home improvement | 48.8% | 127 | $105K | 92% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.